Reconciling

Import a bank statement, let Nummio match it against your books, and clear the rest by hand.

Live bank feeds

Settings → Bank connections links a bank or card account so transactions and balances arrive on their own, without a CSV. Foundation covers two institutions and four accounts; Portfolio six and fifteen; Holdings sixteen and forty. Feed lines land as statement lines for you to match or turn into expenses; nothing from a feed posts to your books by itself. Owners and Bookkeepers manage connections, and a connection that needs re-linking says so at the top of the app.

Moving money between accounts

When you move money between two of a business's own accounts, say from a reserve to operating to cover a payment, record it on the transfer screen (Today links there when a scheduled payment is short; it's also in the + Add menu in the top bar, along with owner draws and contributions, recurring invoices, and journal entries). Pick the account it leaves, the account it lands in, the amount, and the date. That posts one entry in your books; it does not move money at your bank, so make the transfer there too. When the bank feed shows both sides, they match to this entry.

Importing a statement

Prefer a file, or use a bank without a feed? Export a CSV from your bank and import it. Nummio recognizes the format for a number of common banks and card issuers out of the box; anything else walks through a short mapping step the first time.

Matching

Statement lines and transactions in your books are matched automatically on amount, date, and how closely the vendor name lines up, each with a confidence score. Matched pairs collapse out of the way so what's left is what actually needs you.

What's left over

The reconciliation screen puts statement lines on one side and your books on the other. A statement line with nothing to match can be turned into a new expense right there, which goes through the same categorization as anything else you capture. A transaction with no matching statement line gets flagged so you can look into it.

Finishing a reconciliation

A reconciliation is complete only when the reconciled balance in your books equals the statement's ending balance exactly — not close, not rounded. Once it matches, completing it is recorded and shows up in the audit log.